Your Rental Property Should Build Wealth, Not Legal Headaches.

You’ve invested in real estate to secure your future. Don’t let one "slip and fall" or a tenant dispute take it all away. We provide the landlord "shield" you need to protect your assets and your income.

Is Your Investment One Accident Away from Becoming a Liability?

Being a landlord is a great way to build a legacy, but it comes with invisible risks. Many property owners mistakenly rely on standard homeowners' policies or "basic" coverage that leaves them dangerously exposed when things go wrong.

Most landlords struggle with:

The Litigation Trap: Landlords are often targets for lawsuits. If a tenant or guest is injured on your property, your personal savings and other assets could be at stake.
The Income Gap: If a fire or storm makes your unit unrentable, the mortgage company still wants their money. Without "Loss of Rent" coverage, you're paying out of pocket for a property that isn't earning.
The Wrongful Claim: Even if you follow the law, a disgruntled tenant can sue for "wrongful eviction" or "privacy violations," costing you thousands in legal fees just to prove you're right.

You shouldn't have to risk your entire portfolio every time you sign a new lease.

We Protect the Assets You’ve Worked Hard to Acquire.

At SMA Insurance, we believe that being a landlord should be rewarding, not stressful. For over 30 years, Steve Meleleu and our team have helped investors—from single-unit owners to multi-family moguls—secure their properties across Texas and beyond.

As independent agents, we don’t work for the big insurance companies; we work for you. We shop the market to find the policy that fits your specific property—whether it’s a long-term rental, a short-term vacation home, or a commercial space.

Three Simple Steps to a Secure Portfolio

The Portfolio Review

We look at your current properties and policies to find "holes" where you are personally exposed.

The Custom Landlord Shield

We shop our network of top-rated carriers to find a policy that covers your liability, your structures, and your rental income.

Collect Rent with Confidence

You get back to growing your wealth, knowing that we have your back if the worst happens.

Protect Your Income. Secure Your Freedom.

When you have the right Landlord Liability coverage, your real estate remains an asset, not a threat.

The Success: Imagine the peace of mind knowing that even if a fire occurs or a lawsuit is filed, your mortgage is covered, your legal fees are paid, and your personal assets are untouched.
The Failure: Without a tailored plan, a single major claim could force you to sell your properties or drain your retirement savings just to settle a judgment.

Comprehensive Protection for the Modern Landlord:

Premises Liability: Protection against injury claims occurring on your rental property.
Loss of Rental Income: We pay your "rent" if your property becomes uninhabitable due to a covered loss (fire, storm, etc.).
Personal Injury Coverage: Defense against tenant lawsuits regarding wrongful eviction, libel, or privacy violations.
Other Structures: Coverage for detached garages, fences, or sheds on the property.
Vandalism & Malicious Mischief: Security against intentional damage caused by others.

Don't Leave Your Investment to Chance.

The best time to secure your property was before you listed it. The second best time is today. Let’s build your shield.

What others are saying

"Insurance can be confusing, and these guys can break it down for you!"

"As a small business owner, I've used SMA Insurance Services for both my businesses and I would do so again in a heartbeat. Steve and Vic are fantastic at customizing a policy for your specific needs. They are great about explaining what types of coverage you need or don't need. Insurance options can be confusing, and these guys can break it down for you!"

- Becki B

"We were able to dramatically lower our monthly premium while enhancing our coverage."

"I can't recommend SMA Insurance enough! The team did a great job supporting our small business in our liability insurance and worker's comp needs. We were able to dramatically lower our monthly premium while enhancing our coverage."

- Katie F

"I have used SMA for auto, commercial, & residential coverage for more than 20 years."

"I have used SMA Insurance Agency for auto, commercial, & residential coverage for more than 20 years. At one point, I switched our personal auto coverage to a relatives new agency as a favor. They made a mistake on my wife's birthday causing a significant cost increase. I returned our auto coverage to SMA at a considerable savings and will be with his agency until we die."

- Kirk W

Meet the Team

Steve Meleleu

Steve founded SMA Insurance Services in 1998 to help people find clear, dependable insurance coverage that truly fits their needs. With over 30 years of experience, Steve is a trusted guide for both personal and commercial insurance.

Senior Executive - Consulting

Victor Lauersdorf

Vic's expertise in national security and logistics, honed over years of military service, now guides his approach to educating clients on insurance matters and navigating complex market landscapes.